Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true, so safety is covered. The description adds substantial behavioral detail beyond annotations: inclusive UTC date semantics, a 400 error boundary at 400 days, row filtering to only days with envelope debit/refund/void_refund, and the required Authorization header. No annotation contradictions.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.